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Virginia Mason Medical Center
Fidelity Investments® Workplace Savings
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Plans & Investments

Plan Details

VMMC 403(b) Retirement Savings Plan

A 403(b) plan allows eligible employees to save on a tax-deferred basis. All contributions are made by you.

  • Enrolling is fast and easy: Simply select the Enroll Now button on the right.
  • To learn more before you enroll, see Investment Options & Plan Basics below.
Enroll Now
  • Plan Basics

  • Investment Options

Choose from the tiers of investments below. Tiers are distinct categories designed to simplify your investment choices. At any time, you may use investments from any and all tiers.

CORE BASIC OPTIONS

Explore Your Investment Options - shows details. Click to open.

When and Why:

Depending on your plan, there are two options to consider: Target Date Funds which are based on an anticipated retirement date and Target Allocation Funds that are based on a risk tolerance and time horizon.

Note: The performance data featured represents past performance, which is no guarantee of future results. Investment return and principal value of an investment will fluctuate, therefore you may have a gain or loss when you sell your shares. Current performance may be higher or lower than the performance data quoted. Click on an investment to view quarter end returns, risk, fees and expenses. 1,2,3,4.

INVESTMENTS ASSET CLASS CATEGORY AVERAGE ANNUAL TOTAL RETURNS CUMULATIVE RETURNS

1 Yr

3 Yr

5 Yr

10 Yr

Life

3 Mon

YTD

As of Date

AB DISC GRTH I

Inception Date 07/07/1938

Stock Investments

N/A

-35.91%

2.85%

6.36%

10.45%

10.23%

3.65%

6.83%

12/31/2022

AM CENT EQ INC R6

Inception Date 08/01/1994

Stock Investments

N/A

-2.90%

4.92%

6.65%

9.88%

10.18%

10.02%

1.14%

12/31/2022

FID 500 INDEX

Inception Date 02/17/1988

Stock Investments

N/A

-18.13%

7.65%

9.41%

12.55%

10.25%

7.56%

4.75%

12/31/2022

FID EXTD MKT IDX

Inception Date 11/05/1997

Stock Investments

N/A

-26.43%

3.01%

4.86%

9.62%

7.66%

5.10%

8.27%

12/31/2022

FID TOTAL INTL IDX

Inception Date 06/07/2016

Stock Investments

N/A

-16.28%

0.29%

0.96%

--

4.62%

14.78%

8.20%

12/31/2022

LZRD INTL STR EQ IS

Inception Date 10/31/2005

Stock Investments

N/A

-16.88%

-0.86%

1.20%

4.54%

5.16%

14.44%

6.86%

12/31/2022

VANG EXPLORER VL INV

Inception Date 03/30/2010

Stock Investments

N/A

-14.12%

4.44%

4.69%

9.24%

9.75%

11.71%

7.58%

12/31/2022

VANG FTSE SOC IDX IS

Inception Date 01/14/2003

Stock Investments

N/A

-24.20%

5.91%

8.98%

12.98%

5.62%

5.16%

6.00%

12/31/2022

VANG US GROWTH ADM

Inception Date 01/06/1959

Stock Investments

N/A

-39.58%

2.55%

7.72%

12.23%

10.30%

-0.65%

9.44%

12/31/2022

PIM INFL RESP MA IS

Inception Date 08/31/2011

Blended Investments*

N/A

-5.12%

5.70%

4.59%

2.58%

2.82%

5.53%

1.99%

12/31/2022

TRP RETIRE I 2005 I

Inception Date 09/29/2015

Blended Investments*

N/A

-13.51%

1.42%

3.08%

--

4.85%

4.73%

3.74%

12/31/2022

TRP RETIRE I 2010 I

Inception Date 09/29/2015

Blended Investments*

N/A

-13.86%

1.70%

3.36%

--

5.32%

5.00%

3.82%

12/31/2022

TRP RETIRE I 2015 I

Inception Date 09/29/2015

Blended Investments*

N/A

-14.17%

2.05%

3.68%

--

5.89%

5.20%

4.03%

12/31/2022

TRP RETIRE I 2020 I

Inception Date 09/29/2015

Blended Investments*

N/A

-14.46%

2.34%

4.03%

--

6.59%

5.59%

4.11%

12/31/2022

TRP RETIRE I 2025 I

Inception Date 09/29/2015

Blended Investments*

N/A

-15.46%

2.78%

4.44%

--

7.23%

6.01%

4.49%

12/31/2022

TRP RETIRE I 2030 I

Inception Date 09/29/2015

Blended Investments*

N/A

-16.86%

3.11%

4.77%

--

7.78%

6.75%

5.00%

12/31/2022

TRP RETIRE I 2035 I

Inception Date 09/29/2015

Blended Investments*

N/A

-17.85%

3.49%

5.06%

--

8.24%

7.65%

5.39%

12/31/2022

TRP RETIRE I 2040 I

Inception Date 09/29/2015

Blended Investments*

N/A

-18.72%

3.84%

5.35%

--

8.65%

8.30%

5.66%

12/31/2022

TRP RETIRE I 2045 I

Inception Date 09/29/2015

Blended Investments*

N/A

-18.98%

4.14%

5.57%

--

8.86%

8.66%

5.88%

12/31/2022

TRP RETIRE I 2050 I

Inception Date 09/29/2015

Blended Investments*

N/A

-19.09%

4.13%

5.57%

--

8.86%

8.82%

5.95%

12/31/2022

TRP RETIRE I 2055 I

Inception Date 09/29/2015

Blended Investments*

N/A

-19.12%

4.11%

5.55%

--

8.84%

8.89%

5.94%

12/31/2022

TRP RETIRE I 2060 I

Inception Date 09/29/2015

Blended Investments*

N/A

-19.10%

4.15%

5.58%

--

8.81%

8.86%

5.87%

12/31/2022

TRP RETIRE I 2065 I

Inception Date 10/13/2020

Blended Investments*

N/A

-19.09%

--

--

--

2.87%

8.80%

5.95%

12/31/2022

FID TOTAL BOND

Inception Date 10/15/2002

Bond Investments

N/A

-12.91%

-1.65%

0.75%

1.77%

3.90%

2.12%

3.34%

12/31/2022

FID US BOND IDX

Inception Date 03/08/1990

Bond Investments

N/A

-13.04%

-2.72%

-0.02%

1.01%

5.08%

1.67%

2.78%

12/31/2022

FIXED INT OPTION

 

Bond Investments

N/A

--

--

--

--

--

--

--

--

Brokerage and Additional Investment Options

Explore Your Investment Options - shows details. Click to open.

Self-Directed Brokerage

Are you interested in investing in options beyond what your plan offers?

A self-directed brokerage account allows you to make investments beyond those offered in your workplace retirement savings plan.

For more information or to open a self-directed brokerage account, first enroll in your Fidelity workplace retirement savings plan. Then visit www.netbenefits.com > Quick Links > BrokerageLink where you can open an account or review additional information, including the commission schedule for applicable fees and risks.

BrokerageLink includes investments beyond those in your plan's lineup. You should compare investments and share classes that are available in your plan's lineup with those available through BrokerageLink, and determine available investment and share class that is appropriate for your situation. The plan fiduciary neither evaluates nor monitors the investments available through BrokerageLink. It is your responsibility to ensure that the investments you select are suitable for your situation, including your goals, time horizon, and risk tolerance.

Managed Account

Managed Account - shows details. Click to open.

A managed account is designed for people who prefer to have Fidelity manage their money for them, so they can focus on other aspects of their life.

Your employer gives you the opportunity to have a team of Fidelity professionals propose an investment strategy aligned to your personal goals and situation. Fidelity® Personalized Planning & Advice monitor your investments, and make adjustments as your life and the world around you changes-helping to keep you on track to retirement. This service provides discretionary money management for a fee and you may cancel at any time with no cancellation fee.

Learn more and get a free review of your portfolio by speaking with a Fidelity representative at 866-811-6041.

Fidelity® Personalized Planning & Advice at Work is a service of Fidelity Personal and Workplace Advisors LLC and Strategic Advisers LLC. Both are registered investment advisers, are Fidelity Investments companies and may be referred to as "Fidelity," "we," or "our" within. For more information, refer to the Terms and Conditions of the Program. When used herein, Fidelity Personalized Planning & Advice refers exclusively to Fidelity Personalized Planning & Advice at Work.
This service provides advisory services for a fee.

Managed Account

Managed Account - shows details. Click to open.

A managed account is designed for people who prefer to have Fidelity manage their money for them, so they can focus on other aspects of their life.

Your employer gives you the opportunity to have a team of Fidelity professionals propose an investment strategy aligned to your personal goals and situation. Fidelity® Personalized Planning & Advice monitor your investments, and make adjustments as your life and the world around you changes-helping to keep you on track to retirement. This service provides discretionary money management for a fee and you may cancel at any time with no cancellation fee.

Learn more and get a free review of your portfolio by speaking with a Fidelity representative at 866-811-6041.

Fidelity® Personalized Planning & Advice at Work is a service of Fidelity Personal and Workplace Advisors LLC and Strategic Advisers LLC. Both are registered investment advisers, are Fidelity Investments companies and may be referred to as "Fidelity," "we," or "our" within. For more information, refer to the Terms and Conditions of the Program. When used herein, Fidelity Personalized Planning & Advice refers exclusively to Fidelity Personalized Planning & Advice at Work.
This service provides advisory services for a fee.

Explore Plan Basics

Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.

Enrollment - shows details. Click to open.

You are eligible to enroll in the plan immediately. When you are ready to get started, click the "Enroll Now" button above or call 800-343-0860.

Your enrollment becomes effective once you indicate how much you'd like to contribute, also known as the deferral. You will generally begin to see your contributions deducted from your paycheck in the next pay period, or as soon as administratively possible.

Contributions - shows details. Click to open.

Through automatic payroll deduction, you can contribute from 1% to 80% of your eligible pay on a pretax basis up to the annual IRS dollar limits.

All contributions are made by you. Click here to view the current year deferral limits.

"Catch-Up" Contributions - shows details. Click to open.

If you are age 50 or older, you have the ability to make additional contributions to your plan, up to the current IRS dollar limits. View the limits here: IRS DOLLAR LIMITS

Vesting - shows details. Click to open.

You are 100% vested at all times.

Beneficiaries - shows details. Click to open.

Your beneficiary or beneficiaries will inherit your account in the event of your death. You should consider identifying a beneficiary when you enroll in your plan, and updating the information if you experience a life-changing event such as a marriage, divorce, birth of a child, or death in the family.

Fidelity's Online Beneficiaries Service, available through NetBenefits® offers a straightforward, convenient process that takes just minutes.

Go to 'Profile' in the navigation bar at the top of your NetBenefits® page and click on the 'Summary tab' and then 'Beneficiaries'.

Withdrawals - shows details. Click to open.

You are generally allowed to withdraw money from your plan when you leave your employer, retire or become permanently disabled. Also you may be eligible for a distribution if you have a financial hardship as defined by your plan. Withdrawals may be subject to income taxes and, if they occur prior to you becoming age 59˝, a 10% early withdrawal tax penalty.

For more information, call the Fidelity Retirement Services Center at 1-800-343-0860.

Loans - shows details. Click to open.

Although your plan account is intended for the future, you may borrow from your account for any reason. Generally, plan rules allow you to borrow up to 50% of your vested account balance.

The minimum loan amount is $1,000, and a loan must not exceed $50,000. Any outstanding loan balances from the previous 12 months may reduce the amount you have available to borrow. You then pay the money back into your account, plus interest, through ACH deductions from your bank account.

You may have one loan outstanding at a time. The cost to initiate a loan is $50. There is no quarterly or annual maintenance fee. The initiation fee is deducted directly from your plan account.

Note: If you fail to repay your loan (based on the original terms of the loan), it will be considered in "default" and treated as a distribution, making it subject to income tax and possibly to a 10% early withdrawal tax penalty. Defaulted loans may also impact your eligibility to request additional loans.

Moving money - shows details. Click to open.

If you have retirement savings in another employer's plan or in an IRA, consolidating accounts may help make it easier to manage your savings but there are several options. Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

If you're not sure about the best option for you, talk to a Fidelity representative today. They can explain each option in greater detail so you can make the best choice for your specific needs.

Account access - shows details. Click to open.

Online, on the phone, or in person, you have access to your account the way you want it. Log in online to NetBenefits® virtually 24/7 or call Fidelity at 1-800-343-0860 to speak with a representative or use the automated voice response system.

Additional investment and account information - shows details. Click to open.

Fidelity financial professionals provide complimentary one-on-one consultations for participants in your plan. You can also contact Fidelity for a statement of your account by calling 1-800-343-0860 or visiting NetBenefits®.

Make Updates to My Account

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Before investing, consider the investment objectives, risks, charges and expenses of the fund or annuity and its investment options. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

** The current yield of the money market mutual fund listed above reflects the current earnings of the fund, while the total return refers to a specific past holding period.

*** The yield without applicable waivers or reimbursements, whenever Fidelity is subsidizing all or a portion of the fund's expenses as of the current reporting period. Absent such waivers or reimbursements, the returns would have been lower. Waivers and/or reimbursements may be discontinued any time.

Investing involves risk, including risk of loss.

Footnotes 1, 2, 3 and 4 below pertain to the performance tables located on the Investment Options tab:

1 Stock markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments. Investing in stock involves risks, including the loss of principal.

2 Total returns are historical and include change in share price and reinvestment of dividends and capital gains, if any. These figures do not include the effect of sales charges, if any, as these fees are waived for contributions made through your retirement plan. If sales charges were included, returns would have been lower. Life of fund figures are from the inception date to the period shown. For unitized funds, the inception date shown may be that of the fund's underlying investment option. For non-mutual fund pools and trusts whose strategies may be offered to multiple clients, and whose returns may be based on a composite, the inception date shown may be the beginning date of the composite's returns.

3In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible.

4Target Date Funds are an asset mix of stocks, bonds and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed.

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